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Author: Chiranjib Neogi Publisher: Springer ISBN: 9811042683 Category : Business & Economics Languages : en Pages : 214
Book Description
This book offers a critical perspective on the issues related to women’s empowerment, microfinance, and entrepreneurship in India. Written by distinguishing experts in this field, this book highlights women’s empowerment, which is a process of entrusting power to an individual on the control over resources and decisions. However, these two factors are less effective in a society where religion and cultural dominance is high. The book sheds light on the social security measures undertaken by the government aiming to the right to work helped women who are bounded by social restrictions. Over time there is a shift in rural occupational structure towards non-farm activities, which is largely distress driven self-employment. Access to credit is a great source to provide self-employment that develops self-esteem among women and uplift their position. The book highlights the discrimination against women entrepreneurs in access to credit led to gender biased entrepreneurial society. Association with self-help groups (SHGs) has made women more socially empowered. SHG members help them to change their life in a positive manner through micro-entrepreneurial activities. The book has emphasized on the role of microfinance, which has served the poor to become financially self-reliant. It is observed that for second generation borrowers, the impact of microfinance seems to fizzle out, where MFIs who are gaining efficiency are diverting their objective of servicing poor, signalling a sign of mission drift.
Author: Chiranjib Neogi Publisher: Springer ISBN: 9811042683 Category : Business & Economics Languages : en Pages : 214
Book Description
This book offers a critical perspective on the issues related to women’s empowerment, microfinance, and entrepreneurship in India. Written by distinguishing experts in this field, this book highlights women’s empowerment, which is a process of entrusting power to an individual on the control over resources and decisions. However, these two factors are less effective in a society where religion and cultural dominance is high. The book sheds light on the social security measures undertaken by the government aiming to the right to work helped women who are bounded by social restrictions. Over time there is a shift in rural occupational structure towards non-farm activities, which is largely distress driven self-employment. Access to credit is a great source to provide self-employment that develops self-esteem among women and uplift their position. The book highlights the discrimination against women entrepreneurs in access to credit led to gender biased entrepreneurial society. Association with self-help groups (SHGs) has made women more socially empowered. SHG members help them to change their life in a positive manner through micro-entrepreneurial activities. The book has emphasized on the role of microfinance, which has served the poor to become financially self-reliant. It is observed that for second generation borrowers, the impact of microfinance seems to fizzle out, where MFIs who are gaining efficiency are diverting their objective of servicing poor, signalling a sign of mission drift.
Author: D. Amutha Publisher: ISBN: Category : Languages : en Pages :
Book Description
The micro finance is agenda for empowering poor women. Micro enterprises are an integral part of planned strategy for securing balanced development of the economy of the poor women. Rural women's participation in agro-based activities is much more than what statistics reveal. The study was conducted with the following specific objectives; to evaluate the role of self Help Groups in women entrepreneurship in Vellapatti village. To assess the perception of beneficiaries about the role of SHGs. To evaluate the working of the SHGs in Vellapatti village. The present study is based on both primary and secondary data. Primary data have been collected by conducting a survey among 75 sample respondents from 9 Self Help Groups in different areas of Vellapatti village of Tuticorin town. Eight respondents were selected from each Self Help Group. Random sampling technique was used to select the respondents. Percentage analysis, averages, chi square test and probability analysis were used. The data relates to the month of April 2012. The study reveals that 17.33 percent of the sample respondent's suggestions to improve the performance of SHGs are to provide more loans, whereas 60 percent and 22.67 percent of the sample respondents' suggestion is to provide loan at right time and to provide loan at lesser rate of interest. Microfinance has been one of the few effective tools for poverty reduction over the past years. Through the creation of self help groups, poor people can safely deposit money and accumulate funds for future investments or emergencies as well as access loans for productive purposes leading to higher incomes. Women are participating in all the productive activities and are at par with men. Government, banks and other financial institutions should come forward to offer loans for rural women, so that women entrepreneurs' movement in India will work on right direction to empower more and more women in social, economical, cultural and in political matters.
Author: Zubair Meenai Publisher: Aakar Books ISBN: 9788187879060 Category : Microfinance Languages : en Pages : 238
Book Description
Women Self-Help Groups Are Increasingly Being Used As Tool For Various Developmental Interventions. Credit And Its Delivery Through Self-Help Groups Have Also Been Taken As A Means For Empowerment Of Rural Women.This Integrated Approach, Whereby, Credit Is Only An Entry Point, And An Instrument To Operationalise Other Aspects Of Group Dynamics And Management, Also Caters To The Need For Social Intermediation Of These Groups. A Self-Help Group Is Conceived As A Sustainable People S Institution That Provides The Poor Rural Women With Space And Support Necessary For Them To Take Effective Steps Towards Achieving Greater Control Of Their Lives.It Is With This Perspective That This Book Has Been Attempted.This Work Seeks To Elucidate And Simplify The Approach To Women S Empowerment Through Credit-Based Self-Help Groups, By Both Providing The Theoretical Perspective As Well As Practical Guidance And Tips To Operationalise The Same. This Book Is Meant Primarily As A First Level Reader For Middle Level Functionaries In The Development Sector.
Author: Alhassan, Yahaya Publisher: IGI Global ISBN: 1668489813 Category : Business & Economics Languages : en Pages : 304
Book Description
Empowering Women Through Microfinance in Developing Countries is a book that explores how microfinance can be used to empower women in developing countries. It provides theoretical and empirical insights from industry experts, experienced researchers, and policymakers on the problems, processes, and prospects of using microfinance as a catalyst for women's empowerment in the developing world. The book covers a range of topics, including the impact of microfinance interventions on women's empowerment, financial inclusion, and women's entrepreneurship, poverty reduction among women, and small and medium-sized enterprise growth. This book addresses the lack of understanding about how microfinance can be used to empower women in developing countries. The insights provided in this book will be valuable for researchers, students, microfinance institutions, policymakers, state institutions, managers, non-governmental organizations, and financial institutions looking to expand their product portfolio and outreach. The book also provides policy directions and rethinking of practice in using microfinance as a strategy for eliminating barriers to women's empowerment in developing countries.
Author: Meenakshi Malhotra Publisher: ISBN: Category : Microfinance Languages : en Pages : 320
Book Description
Reviews the position of women in society, with particular reference to their educational achievements and employment opportunities. Focuses on the potential of microcredit programmes and how women entrepreneurs affect the global economy. Assess where rural women stand in the development process today.
Author: Mehnaz Safavian Publisher: World Bank Publications ISBN: 0821399330 Category : Business & Economics Languages : en Pages : 81
Book Description
Financial services are important for women who are starting and growing a business, but in Pakistan microfinance providers (MFPs) are not reaching Pakistan’s businesswomen. Only 59 percent of microfinance clients are women, yet the majority of these loans are passed on the male members of the household – husbands, fathers, and sons. The practice of passing on loans to male household members is quite widespread; women may be bearing all the transaction costs and risks of accessing loans, but are not the final beneficiaries. Second, a very low proportion of female microfinance clients are entrepreneurs. The report explores why businesswomen in Pakistan may not be using microfinance products to meet their start-up and working capital requirements, in spite of identifying access to finance as a key constraint to their business operations. Against this backdrop, access to finance remains the biggest challenge for a woman who wants to start or grow a business. Yet less than a quarter of the entrepreneurs identified through business development service providers were currently borrowing from microfinance lenders. Even among those entrepreneurs that borrow, dissatisfaction is high. Why? Women borrower-entrepreneurs are not able to access individual loan products, but instead are consistently relegated to group lending. But group loans are very costly for a woman who is running a business, and the loans are too small to fulfill working capital needs. Businesswomen are rarely given the opportunity to access individual loan products, which are usually offered exclusively to male borrowers, and women are not given opportunities to graduate from group loans to individual loans over time. Lending practices often are discriminatory, requiring husbands’ permission, male guarantors, and unmarried women are rarely considered as potential clients. Although MFIs understand that women’s inclusion is integral to the objectives of microfinance, the practice of passing on loans raises serious issues about consumer protection for women clients, and the best and most effective solutions to these challenges could and should come from the sector itself. Designing better products that reach the needs of emerging women entrepreneurs could prove to be good business, achieving double bottom-line objectives. Investing in financial literacy and education of both men and women borrowers can help curb the demand for pass-through loans and help lower risks associated with deceptive practices.
Author: Chiranjib Neogi
Author: Chiranjib Neogi
Author: Lotan Migaliza
Author: Suman Kalyan Chaudhury
Author: 
Author: D. Amutha
Author: Zubair Meenai
Author: 
Author: Alhassan, Yahaya
Author: Meenakshi Malhotra
Author: Mehnaz Safavian